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Liberty Mutual offers two life insurance policies to qualifying applicants. These are term life and permanent life policies. The term policies are guaranteed for up to 30 years and are a great choice for those who are on a budget. Permanent policies are ideal for those with long-term planning in mind. Each policy has a unique set of features and benefits. To apply for a life insurance policy, applicants are required to give information on their age, health, lifestyle and coverage amount. Pricing of the products is based on the applicant’s mortality.